Understanding Auto Glass Coverage

June 21, 2018

It happens when you least expect it – the sudden CRACK of a rock ricocheting off of your windshield. Whether it’s a fixable chip or a crack that spreads from end to end, it usually means a trip to the auto glass shop, which can cost hundreds of dollars.

If you have comprehensive coverage on your vehicle, your glass benefit will typically only kick in once your deductible has been met. Unless you have a low deductible, it’s unlikely that the cost of replacing a windshield or window will be shared by your insurance company to any significant degree. For example, if you have a $500 deductible and the cost to replace a windshield is $300, you’ll be responsible for the full bill. If you have a $250 deductible in the same situation, you’ll pay $250 and the insurance company will cover the remaining $50.

With full glass coverage, however, you get 100% of the repair or replacement cost covered with no out-of-pocket cost to you. This is an additional coverage you can opt for when you’re choosing your auto insurance policy.

Full glass coverage is affordable, too – hardly more than a dollar or two a month. And since the majority of comprehensive claims are glass claims, it means that you can afford to raise your deductible. We especially recommend it for our clients who live on or near gravel roads, use street parking in areas that might be prone to vandalism or theft, or those whose auto glass may be more expensive to replace (a windshield in a newer luxury vehicle can easily cost over a thousand dollars).

Not sure if full auto glass coverage is the right choice for you? Come in and talk to one of our agents today, or give us a call at (360) 378-2949. We’re happy to help!

Why Wait?

Testimonials

“The people at Safe Harbor are always helpful, friendly, and responsive. I can basically leave all my insurance issues with them, and know they will do the best possible job in taking care of me. I like working with a local firm, where I can drop in and get face-to-face answers to any questions.”